Cristóbal Ramírez García Email & Phone Number

Barcelona, Ct, Es

- Branch Capacity Management

Región Metropolitana De Santiago, Chile

- Migrated 50% of non-performing loan clients to digital solutions via Fintech integration, enhancing payment accessibility.- Boosted customer contactability by 5 p.p. and restructuring sales effectiveness by 15 p.p. using neural network algorithms for predictive modeling.- Reduced operating costs by 66% by implementing a latency-based customer engagement model using low-cost channels.- Led a team of 4, increasing collections by 15% through a customer classification system and tailored low-cost communication strategies.- Improved digital payment performance by 24% through financial wellness programs in collaboration with Fintech.

Región Metropolitana De Santiago, Chile

- Developed a Transactional Profitability Model and a Product Gross Margin Panel for Falabella Colombia and Peru, optimizing pricing and promotional strategies.- Implemented a pricing measurement framework for big tickets and optimized marketing campaigns, improving segmentation and increasing profitability and operational efficiency.- Facilitated cohesive financial strategies for Falabella Retail, Tottus, Sodimac, Falabella Bank, IKEA, and Falabella.com, aligning objectives and enhancing operational coherence.- Developed and managed a wide range of KPIs covering critical areas such as customer loyalty, e-commerce, digital banking, omnichannel strategies, and financial enablers, enhancing strategic decision-making.

Región Metropolitana De Santiago, Chile

- Developed the Transactional Profitability Model for Chile, providing precise insights to improve pricing and promotions.- Facilitated the integration of financial KPIs and automated reporting, enhancing data-driven decision-making.

Región Metropolitana De Santiago, Chile

- Developed a comprehensive plan to enhance collection and credit recovery models at a multinational bank, including customer segmentation, channel optimization, and analytics, improving operational efficiency and recovery rates.- Implemented Agile methodology in a multinational bank, using an OKR-based approach, continuous training, and autonomous teams, enhancing response speed and deliverable quality.- Led the implementation of IAM solutions and SOX access controls in a multinational bank, reducing security risks and improving cyber resilience through automation and advanced analytics.

B.Sc., Industrial Engineering

M.Eng., Industrial Engineering

- Thesis: "Predictive modeling approach to solve customer selection and prioritization decisions in banking"